30127 : Questions & Answers

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Veronica Med…, Renter in Atlanta, GA
Veronica Medellin answered:
Is it possible to get a construction to permanent loan with excellent credit/less than 10% down in GA or do we need to spend a few more years saving?
We are using First Citizens Bank for our build.

http://www.firstcitizensonline.com

They have a 10% down payment, 5/1 arm, interest only payments while building. You have to have ... more
0 votes Share Flag Fri Aug 15, 2014 Financing in 30127
Larry Tollen, Real Estate Pro in Durham, NC
Larry Tollen answered:
In Florida can you remove a house shed and tear down the fence to get it out if the house is in foreclosure?
As long as you still own the house you may take a fence down and get rid of a shed unless you've received specific instructions from the Court not to do any work on the home. If you're ... more
0 votes Share Flag Fri Feb 14, 2014 Foreclosure in 30127
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
I'm looking to relocate & purchase here via creative financing, as I have a great job/income & rental histories but only 17 months out of bankruptcy.
Hi CJ,
FHA mortgages are the least restrictive for a previous bankruptcy. HUD requires that a minimum of 24 months must have elapsed from the DISCHARGE date of a Chapter 7 Bankruptcy b ... more
0 votes Share Flag Wed Oct 16, 2013 Home Buying in 30127
Michael Kirk…, Real Estate Pro in West Hartford, CT
Michael Kirkutis answered:
Why do you think ARMs or Adjustable Rate Mortgages have a bad reputation of being risky ?
In the mortgage lending area, ARM mortgages have a advantage of starting lower rates as compared with fixed rate loan but the disadvantage of possibly higher payments over time as the l ... more
0 votes Share Flag Wed Oct 9, 2013 Financing in 30127
Tom Lamb, Real Estate Pro in Fayetteville, GA
Tom Lamb answered:
How many times can a client do a rapid re-score, and is it instant ?
I have no idea what a rapid re-score is.
0 votes Share Flag Wed Oct 9, 2013 Financing in 30127
Larry Tollen, Real Estate Pro in Durham, NC
Larry Tollen answered:
Do you recommend Seniors to get a Reverse Mortgage on their home ?
I do not have anything against reverse mortgages and for some individuals they can be beneficial. However this is a complex question and there's simply no one good answer. Seniors would ... more
0 votes Share Flag Tue Sep 17, 2013 Financing in 30127
Marcus Neces…, Real Estate Pro in 72712
Marcus Necessary answered:
When doing BPO's, how many miles away from the subject property can you go for comparable s ?
It really depends on the market type: urban, suburban or rural. It's hard to justify anything over 10 miles in a rural setting. Most importantly, document why you traveled the distance ... more
0 votes Share Flag Tue Jun 18, 2013 Home Selling in 30127
Marcus Neces…, Real Estate Pro in 72712
Marcus Necessary answered:
Why do I have to pay money to view foreclosed properties?
You're looking at the wrong websites :) dont pay a penny for that garbage.
0 votes Share Flag Tue Jun 18, 2013 Home Buying in 30127
Tom Sommers, Real Estate Pro in Lakeville, MN
Tom Sommers answered:
How would you advise a seller to determine the value of their home ?
Tonya,

From my perspective there are three basic components that will help you to determine the value of your home. First I look at all of the sold comparables within 2 miles of your ... more
1 vote Share Flag Mon May 27, 2013 Home Selling in 30127
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
How long is an appraisal good for ?
That answer will depend on both the loan program and the lender. Typcially those time frames will be:

90 days - Conventional appraisals
120 days - FHA, USDA, construction to perm ... more
0 votes Share Flag Mon May 20, 2013 Home Buying in 30127
Lee Taylor, Real Estate Pro in Decatur, GA
Lee Taylor answered:
What are the top 10 way you tell your seller to increase the value of their home ?
I'm with Phil...yet, I'll offer a five.

1. study successes by watching
2. H
3. G
4. T
5. V
1 vote Share Flag Mon May 20, 2013 Home Selling in 30127
Jim Olive, Real Estate Pro in Key West, FL
Jim Olive answered:
Are you asking your clients for a retainer fee ?
To me, that's an insurance policy for a bad Realtor. If you do your job well, shouldn't need it. Of course, that said, there will be customers that come along that aren't really serio ... more
0 votes Share Flag Mon May 20, 2013 Home Buying in 30127
Laura Feghali, Real Estate Pro in Stamford, CT
Laura Feghali answered:
Are you asking your clients for a retainer fee ?
Hi Tonya,
In my region, agents do not request retainer fees. If two agents have the same qualifications and similar experience and the customer can't decide which one to choose but o ... more
0 votes Share Flag Sun May 19, 2013 Financing in 30127
Tonya Jones, Real Estate Pro in 30127
Tonya Jones asked:
Are there still Hard Money lenders around ?
0 votes Share Flag Sun May 19, 2013 Financing in 30127
Tonya Jones, Real Estate Pro in 30127
Tonya Jones answered:
Who was Cobb County named after ?
Laughing cause u said. We eat a lot of corn around here ! Ha ha ha
0 votes Share Flag Tue May 14, 2013 Home Buying in 30127
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
Do you recommend Home Service Plans... such as Home Shield to your clients/customer ?
Problem is: Those plans are terrible. They give a sense of security (I'd argue a false sense of security) to the buyer. The contractors themselves tend not to be very good and they live ... more
1 vote Share Flag Tue May 14, 2013 Home Buying in 30127
Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
What should you understand about adjustable rate mortgages, before committing to an adjustable rate mortgage?
You should understand how the math works and what the maximum cap is.
0 votes Share Flag Tue May 14, 2013 Home Buying in 30127
Tonya Jones, Real Estate Pro in 30127
Tonya Jones answered:
Since interest rates are so low, should homeowners consider upgrading to a larger home ?
Since the rates are so low, I have been considering purchasing a nicer home in a swim, tennis neighborhood. I can get a home twice as nice as what I have at almost the same monthly pay ... more
0 votes Share Flag Tue May 14, 2013 Home Buying in 30127
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